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Can the bank pay a check after I place a stop payment on it?

Generally, banks honor a stop payment request for a check drawn on your account. If you stop payment properly and the bank cashes the check, the bank may be liable for the cashed check.

However, the bank is not liable if

  • you fail to provide enough information to identify the check, or
  • you fail to provide sufficient notice to implement the stop payment order.

In addition, a written stop payment order often expires after six months. It can be renewed for another six months.

If you issue a stop payment order orally and do not confirm it in writing, it lapses after 14 calendar days. Refer to your deposit account agreement regarding the bank's policy for stop payment orders.

There are different stop payment requirements for cashier's checks.

Last Reviewed: October 2020

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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